Privacy PolicyMoneris Solutions, Inc. (“Moneris”) is committed to maintaining the accuracy, confidentiality, and security of your personally identifiable information (“Personal Information”). As part of this commitment, the following Seven Privacy Principles govern our actions as they relate to the collection, use and disclosure of Personal Information. The principles are derived from the Federal Trade Commission’s Protecting Personal Information: A Guide for Business.
Principle 2 - Identifying Purposes Principle 3 - Notice Principle 4 - Limiting Collection Principle 5 - Limiting Use And Disclosure Principle 6 - Accuracy Principle 7 - Safeguarding Customer Information Principle 8 - Openness Principle 9 - Customer Access Principle 10 - Handling Customer Complaints and Suggestions Principle 1 - Accountability Moneris is responsible for maintaining and protecting the Personal Information under its control Principle 2 - Identifying Purposes The purposes for which Personal Information will be identified before or at the time the Personal Information is collected. Principle 3 - Notice You will notified of the collection, use and disclosure of your Personal Information, and your consent to our doing so will be obtained, except if doing so would violate a law, court order, etc. Principle 4 - Limiting Collection The Personal Information collected will be limited to those items necessary for the purposes identified by Moneris. Principle 5 - Limiting Use And Disclosure Personal Information may only be used or disclosed for the purposes for which it was collected, or for any other purpose to which you have consented, or if disclosure is required by law. Principle 6 - Accuracy We will endeavour to maintain the accuracy of your Personal Information as is necessary to fulfill the purposes for which it is to be used. Principle 7 - Safeguarding Customer Information Personal Information will be protected by security standards that are appropriate to the sensitivity level of the type of information. Principle 8 - Openness Moneris will update this policy as needed to make information available to our customers concerning the policies and practices that apply to our use of their Personal Information. Principle 9 - Customer Access Upon request, a customer may verify the accuracy and completeness of their Personal Information, and may request that it be amended, if appropriate. Principle 10 - Handling Customer Complaints and Suggestions Customers with any questions or inquiries regarding this policy should contact: Moneris Solutions, Inc. Woodfield Corporate Center 150 N, Martingale Rd, Suite 900 Schaumburg, IL 60173 Phone: (800) 471-9511 Fax: (847) 240-6583 Email: customerservice@moneris.com Before Moneris is able to provide you with any information or correct any inaccuracies, however, we may ask you to verify your identity and to provide other details to help us to respond to your request. If you have any questions or concerns regarding our organization’s privacy policy and practices, you should first contact Moneris directly. What Information is Collected?At Moneris, we collect, use and disclose Personal Information to provide you with the services you have requested and to offer you additional products and services we believe you might be interested in. The types of Personal Information we may ask for depends on the nature of the services we provide you and typically includes your name, address, telephone number and e-mail address. When you visit the Moneris websites, Personal Information is not collected unless you choose to provide it voluntarily. You are welcome to browse the websites at any time anonymously and privately without revealing any personal information about yourself. If you elect to provide us with your information, then any data you specifically and knowingly provide will become the property of Moneris. This also applies if you send us an e-mail. For purposes of maintaining quality service, calls to any of our customer service lines may be recorded. A recorded message given prior to your call being answered will let you know if your call may be the subject of our random call recording quality assurance program. Types of Information We CollectPersonal Information Most of the Personal Information we collect comes to us directly from you, and only with your consent. With your consent, we may collect Personal Information from you in person, over the telephone or by corresponding with you via mail, facsimile, the Internet, or from referrals by third parties such as your financial institution. The choice to provide us with Personal Information is always yours, however, your decision to withhold particular details may limit our ability to provide you with any of our services. If we are unable to accommodate your request based on the information that has been provided to us, we may ask for additional details in order to identify other ways to be of assistance. Moneris also maintains a file containing contact history that is used for customer inquiry purposes. How Your Information is UsedPersonal Information We use your Personal Information to communicate with you, effectively provide the services you have requested, and safeguard your interests. We may also send you information about other products and services in which we believe you may be interested. Additionally, if you are a Moneris merchant client, we will keep you informed about your merchant account activities, send you important notices, and respond to any special needs or inquiries that you may have. Moneris Merchants In particular, if you are a Moneris merchant customer, our merchant agreement with you authorizes us to use and disclose the Personal Information that you provide to us to perform a variety of tasks, including, without limitation, to:
When Information May be Disclosed to Outside PartiesWe are obliged to keep your Personal Information confidential except when authorized by you, when required by law and when permitted by law. At Moneris, we sometimes contract outside organizations to perform specialized services. Our trusted service suppliers may at times be responsible for processing and handling some of the information we receive from you. When we contact our suppliers to provide specialized services, they are given only the information necessary to perform those services. Additionally, they are prohibited from storing, analyzing or using that information for purposes other than to carry out the service they have been contracted to provide. Furthermore, as part of our agreements, our suppliers and their employees and representatives are required to protect your information in a manner that is consistent with the privacy principles and practices that we have established. When Required by LawThe type of information we are legally required to disclose may relate to criminal investigations or other governmental requirements. In some instances such as a legal proceeding or court order, we may also be required to disclose certain information to authorities. Only the information specifically requested is disclosed and we take precautions to satisfy ourselves that the authorities that are making the request have legitimate grounds to do so. When Permitted by LawThere are some situations where we are legally permitted to disclose personal information such as employing reasonable and legal methods to enforce our rights under our agreements, to collect a delinquent account or investigate suspicion of illegal activities. With Whom We May Share Your InformationOur Employees and Contractors In the course of daily operations, access to private, sensitive and confidential information is restricted to authorized employees who have a legitimate business purpose and reason for accessing it. For example, when you call us, our designated employees will access your information to verify who you are and to assist you in fulfilling your requests. As a condition of their employment and their independent contractor agreement respectively, all employees and independent contractors of Moneris are informed about the importance of privacy and are required to abide by the privacy standards we have established. They are also required to follow all applicable laws and regulations. Unauthorized access to and/or disclosure of customer information by an employee of Moneris is strictly prohibited. All employees and independent contractors are expected to maintain the confidentiality of customer information at all times and failing to do so will result in appropriate disciplinary measures, which may include dismissal. How We Safeguard Your InformationWe use state-of-the-art technologies and maintain current security standards to ensure that your Personal Information is protected against unauthorized access, disclosure, inappropriate alteration or misuse. All safety and security measures are also appropriate to the sensitivity level of your information. Customer Files Electronic customer files are kept in a highly secured environment with restricted access. Paper-based files are stored in locked filing cabinets. Access is also restricted. Online Security We manage our server environment appropriately and our firewall infrastructure is strictly adhered to. Our security practices are reviewed on a regular basis and we routinely employ current technologies to ensure that the confidentiality and privacy of your information is not compromised. The Moneris websites use Secure Socket Layer (SSL) and 128 bit encryption technologies to enhance security when you visit the secured areas of these sites. SSL is the industry standard tool for protecting and maintaining the security of message transmissions over the Internet. When you access your accounts or send information from secured sites, encryption will scramble your data into an unreadable format to inhibit unauthorized access by others. To safeguard against unauthorized access to your accounts, you may be required to “sign-on” using a user id and a password to certain secured areas of the Moneris websites. Both user id and password are encrypted when sent over the Internet. If you are unable to provide the correct password, you will not be able to access these sections. When you call our customer service center you will be required to verify your identity by providing some personally identifying information. How You Can Protect Your InformationWe do our utmost to protect and safeguard your Personal Information. We believe there are measures you should take as well. The following is a list of things you can do to protect yourself against fraud and uninvited intrusion. Passwords Passwords are necessary to identify you and authenticate your permission to access your online accounts. The passwords you use are encrypted. Encryption is presently the most effective way to achieve data security. Just as it is important for us to employ strict procedures to safeguard your information, you also should take precautions in handling your passwords. When selecting a password, we suggest that you use a combination of letters and numbers and do not use words that can be easily associated with you such as the name of a family member, a pet or the street on which you live. We also suggest that you change your password regularly. Personal Information You should not share personal information with others unless you clearly understand the purpose of their request and you know who you are dealing with. Your Online Security To make sure your connection to the protected areas of the Moneris websites is secure, look for either a 'closed lock' or an 'unbroken key' icon located at the bottom right hand side of your browser’s task bar. You may also check the Address bar to determine is SSL (Secure Socket Layer) is active by looking at the beginning of the address. If it starts with 'https' rather than the standard 'http', then SSL is operating. Accessing and Amending Your Information At Moneris, decisions are made based on the information we have. Therefore, it is important that your Personal Information is accurate and complete. As a customer, you have the right to access, verify and amend the information held in your personal and financial files. Accessing Your Information For privacy-related matters, you may access and verify any of your information by calling our customer contact center at (800) 471-9511. Amending Your Information To help us keep your Personal Information up-to-date, we encourage you to amend inaccuracies and make corrections as often as necessary. Despite our efforts, errors sometimes do occur. Should you identify any incorrect or out-of-date information in your file(s), we will make the proper changes. Where appropriate, we will communicate these changes to other parties who may have unintentionally received incorrect information from us. To Make a Change To make a change to the personal contact information contained in your file, you may do one of the following: In each case, you will be required to verify your identity by providing some personally identifying information. Updating this Privacy Policy Any changes to our privacy policy and information handling practices will be acknowledged in this policy in a timely manner. We may add, modify or remove portions of this policy when we feel it is appropriate to do so. You may determine when this policy was last updated by referring to the modification date found on the front page of this privacy policy. Websites Governed by this Privacy Policy The website that is governed by the provision and practices stated in this privacy policy are http://www.monerisus.com. |